Metlife Homeowners

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My husband and I purchased renters insurance on 2/17. The next day there was a tornado in our area. We didn't have any damage to any of our personal items. We were glad that we had just purchased a policy. So a few months later. Prior to purchasing the policy every faucet in the rental property was leaking and after several attempts to get the SLUMLORD to repair it. We decided to do it on our own. After replacement of the sinks we started to see mold spores throughout the property and inside the ventilation system.

We end up suing the landlord for lack of repairs and only paid half the month’s rent for the reminder of our time at the property until we moved. The courts ruled in our favor and the SLUMLORD tried to retaliate by filling an eviction suit. We contacted Metlife and advised that we need to move due to the courts ruling in our favor that this residence was uninhabitable and we need to leave to temporary housing. Metlife denied hotel assistance because landlord filed for eviction. We left 2 KING SIZE BEDS and 2 QUEEN SIZE BEDS that had mold spores on the bottom and 2 lounge chairs. Metlife denied claim for mold damage. We canceled the policy immediately. They don't help you at all with any legitimate claim. SO DON'T WASTE YOUR MONEY!!! CAVEAT (BUYER BEWARE) We are in the process of purchasing a home and they will not be our PROVIDER! THEY SUCK!!!

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Hail damage claimed on our roof. First roofer said there was hail damage. Their adjuster said no hail damage just wear and tear. Several roofing companies stated otherwise. I am not a roofer, it is quite obvious there is damage. Therefore a second adjuster was request. Second one states there is 'some' hail damage. So they made a small payment, $400 on $1000 deductible. I had a independent adjuster come by and take a look so I can get an unbiased opinion. He stated roof needs to be replaced because of hail. So now I had to hire a public adjuster. (What shysters!) Have been with MetLife over 6 years. No claims. 1st claim rejected, others in neighborhood with damage paid off with other insurance co. also car companies near had hail damage.

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I have been with MetLife for 25 years and have never filed a claim until this month. My claim was for hail damage of the soffit and fascia to the roof. All of this seems to have stemmed from a simple misunderstanding on my sister's part and the oversized ego of one man. Grant **, the claim adjuster called my house to determine a time to come out and look at the damage. My sister answered the phone, and assuming he was selling insurance, told him we already had it, and proceeded to hang up on him.

On the second phone call, I answered, and after realizing what had happened, I apologized, and tried to explain what had happened. After finishing the phone call with Mr. **, I could tell he didn't believe me, so I made sure my sister would be at the house with me when he arrived so I could explain again. I feel I should point out now that, my sister and I are identical twins, so I can certainly understand why he wouldn't have believed me over the phone.

When Mr. Grant arrived at my home, my sister and I again apologized, and explained that it had been a misunderstanding. He informed me that "I am the man who will be deciding how much money you will get." and he left. A few days later I was told that the hail damage would cost more to repair through my insurance because I had not met my deductible, so I chose to hire a "handy man".

About a week after that I got mail from MetLife informing me that the "soffit and fascia to the roof needed to be repaired, the garage and breezeway singles were worn and needed to be replaced, and the garage door need to be replaced, and the debris around the house needed to be removed", and that I needed to "complete these repairs as soon as possible so that we can take that into consideration for your renewal." A week later I received another letter from MetLife informing me that I had been dropped, and that I now have until July to find new insurance. I just can't believe that after being with this company for 25 years and never filing a claim this is how I am treated, and it all seems to over one man's ego being hurt. I believe this be highly unprofessional.

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Our home has been insured with Metlife for over 15 years. We NEVER made a claim until 2016 for which we received $5,000.00. Our Renewal just arrived and the premium increased by $1,100.00 over FIFTY PERCENT!!! I immediately called Met and asked what caused the increase. The rep said it was a number of factors including the claim. I asked for the dollar amount the claim attributed to the increase and was told it was over $1,000.00, basically all of it. I was then made aware the increase would be in effect for 3 years. Isn't the point of insurance to be covered in the event of a loss? Clearly not to Metlife. We didn't know Metlife was only going to cover our loss TEMPORARILY. We now have to pay back 60% of the loss, $3000.00, over the next 3 years. We spent the $5,000.00 never thinking we needed to save $3,000.00 to pay them back.

Be forewarned Metlife's business model is CORRUPT. CEO Steven A. Kandarian receives bonuses based on how profitable the corruption business model works and CORRUPTION has been lucrative for him. 2015 the latest salary data available reported to the SEC he ripped off/gouged his customers to EARN (HA!) $14,975,921. Of course all the stock options he receives provide a little extra and I guess his salary is inadequate for his lifestyle --- between February 27, 2017 -March 13, 2017 he cashed in a small portion of his stock for $1.4 Million. Even after the sale he still has 271,000 shares and at today's price that is worth FOURTEEN Million (All this information is readily available on Yahoo Finance). Yet Steven still wants more - our $3000.00. I called State Farm for a quote - they won't insure us for 3 years and I fear no one else will either. Held for ransom...

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I would not give even 1 star if I didn't have to. Do not support them. I was denied a quote because I have dogs and they are considered a liability!?? How can this company be affiliated with Banfield Pet Hospital if they discriminate against dog breeds??? Im a vet tech. I have a pit bull, papillon and husky mix. They asked if my pit bulls have ever bit someone and no they haven't and they never will. My papillon is more likely to bite you than my pit!! What the heck!!?? They said they wouldn't give me a quote because my pit bull is a liability and is likely to bite someone.

Screw yall. As if it's not bad enough that apartments won't allow pit bull breeds but now you can't get insurance on a home that you own because you have a PITBULL in the HOME that you OWN!! I'm appalled to say the least. WOW!! Todd you suck. You didn't even listen to me when I was telling you about my home before you asked about my dogs because if you were listening you wouldn't have had to ask me 50 questions I already told you about. Worst insurance company ever!

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I was with Metlife for about 10 years before I made my first claim. During those ten years my premiums slowly increased. Then came the two claims I made - one for hail damage of my roof and the second for a failed sump pump that flooded my basement destroying my wall to wall carpeting. Both claims were handled entirely different. The hail damage claim only took one estimate and they cut me a check minus my deductible fairly quickly. The carpeting was a different story. Newbies beware. My coverage was for replacement cost. The Metlife adjuster took a sample of carpet and had it sent to a lab because I could not find my original receipt. He also sent out a company to measure and perform remediation. I received an estimate from the insurance adjuster for the carpeting that was not close to what I remembered paying for it.

After I personally measured the area, I found out that they under-measured by 800 square feet. After correcting the measurement we settled on an acceptable number minus my deductible. However I was told I would only receive 30 or 40 percent upfront and the rest when the carpet was replaced. I chose to install a slightly cheaper carpet and save some of the money to pay for a sump pump backup system. After the carpet was installed I requested the rest of the money. That is where the problems began. The adjuster wanted copies of the receipt. He said they only paid for the cost of the carpet I put back in. This was not clearly explained to me at the beginning. Just going through the process the year before on my roof I thought I knew what was going to happen with my carpeting.

The kicker, in carpeting, the square foot measurement for the estimate should include an additional 10% more for waste that installers charge. I had to point that out and have my estimate adjusted a second time because the Metlife adjuster conveniently left off the estimate. I left Metlife in November of 2016. About three years after my second claim. In those 3 years, my premiums more than doubled. In 2016, I contacted Metlife to get a reduction in premium. They said that not only can they not reduce it but I was receiving an increase because there was an across the board increase to account for a higher claim rate in 2016. Changing companies dropped my premium to less than half what Metlife wanted me to pay. Insurance is a license to steal.

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I called and submitted a claim for water damage in our house. They sent an insurance adjuster to our house. He got up onto our roof and told my husband that we had hail damage. He told us that we needed to call and submit a separate claim for that, which we did. Numerous time we asked him would this affect our policy in any way at all, we were told IT WOULD NOT. Well yesterday I get a cancellation letter in the mail for having too many claims filed. We were entrapped by that adjuster. He knew they would cancel us and all we will do was what he said. Well, needless to say, our cars are with them as well and I will be canceling those too.

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METLIFE home insurance worst service quality. METLIFE Home Insurance increased my premium above NCRB (North Carolina Rate Bureau) 10.6%. I have never filed a claim, always paid on time, and now METLIFE is kicking me out. Bad customer quality. They do NOT care. Go to another insurance company.

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I have had my current homeowners insurance company for about 7 years. They have a good "Grand Protect" program. They re-evaluate every couple of years to make sure my coverage is still current. I have not had a claim with them so I can't comment on that.

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It was there, never needed it, but it was nice to have, just in case. Before that we had renters insurance from All State, and though we never needed it, it was also to have. Specially since we lived in a neighborhood that was, shall we say a bit interesting. Thankfully, nothing ever happened, never had a break in and our stuff remained ours. It not much, but it was ours. And really, what else is there to say? It is good to have insurance, just in case.

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I have 3 vehicles insured with MetLife for over 7 yrs. I receive discounts for multi-vehicles plus, security system and homeowners insurance as well. I just recently filed my 1st claim for a cracked windshield. The claim/windshield process was fast and went smoothly. I have been very happy with the service/discounts.

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I find the customer service at MetLife topnotch. Representatives are knowledgeable and responsive to my questions. While I've never had a Homeowner's insurance claim, I'm confident MetLife would be there for me if I need them.

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I really have nothing to say --- I have had the insurance for many years -- but have never had to file a claim -- so I am happy with it and my insurance agent "Dave **" has been an excellent agent.

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I have not made a claim in a couple of years but a few years ago we experienced a hurricane and had some damage, mostly outside. I have to say that compared to companies that our friends and family had, MetLife's response was quicker than most. We had an adjuster sent out and received our check for repairs a lot quicker and obviously they were busy due to the storm. The price is about average compared to other companies as I've shopped around. I'd say overall even the claims process is fairly easy. I have no major complaints or concerns.

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This is an affordable homeowner's insurance company. We've only had to file one weather related claim but everything went smoothly with it. The company has very good customer service and is easy to get in contact with.

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No problems - only called them once to remove an additional property after I sold it. Received my refund check promptly. Same for my husband when he sold his rental property.

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They take care of my needs at a great price. Their service is outstanding and always have an answer to my questions. When I need to make a change they always do it in a timely way and 24 hour a day service is outstanding. They never have questioned any claim I have had and always pay out promptly. I would recommend them for any and all types of insurance as they have done a great job for me.

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I am satisfied with the amount of coverage and the premiums for my homeowner's, auto, and umbrella policy. However, I cannot access Met LIfe without going through the independent agent we used years ago to obtain this insurance, and it is inconvenient when the agency is closed. I would like the option of being able to speak with a company rep at Met Life during my agent's off-hours.

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Very good company. Have been with METLIFE insurance company for over four years. I have an agent in the same town that I live in and that makes it real nice. I have my house and a auto and truck insured with METLIFE also.

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I am most frustrated about how I contacted the office regarding a claim on my roof. The adjuster came out and said he did not find any damage. As a result of that, I have not been able to shop for insurance elsewhere because of the claim which was never activated.

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MetLife has been my insurance company for a very long time. Their customer service has always been very helpful, and they have responded to my claims very promptly. I would definitely recommend them to anyone.

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I bought the policy when I bought my home over 15 years ago and I've never made a claim. My bills are auto-pay. I've never visited the website or spoke to a representative.

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We have only had one claim in 25 years and it was handled very well. The only complaint I would have is the price continually rises and on a fixed income it can be very hard to pay the bill. I have not thought of changing because all our policies are combined and as I said their service is excellent.

Expert Review

Matthew BrodskyInsurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.    More about Matthew→

MetLife Homeowners offers insurance protection for a variety of home types, regardless of whether they're owned or rented. This includes houses, condos, apartments, mobile homes and manufactured homes. The insurance covers home contents, as well as property damage from causes such as theft, fire and smoke, and liability protection for lawsuits resulting from injuries sustained by visitors.

  • Coverage for landlords: The company offers two types of policies geared toward protecting a landlord's property in case of damage by tenants and paying legal and court fees if a landlord is sued.
  • Water backup coverage: MetLife provides an optional insurance policy to safeguard against water damage caused by backups and runoffs from sewers, drains and sump pumps.
  • Arrangements with contractors: They have a deal with the national Crawford Contractor Connection network to make repairs after a claim. A MetLife agent will ensure there's a contractor in your area and schedule your property inspection.
  • Replacement cost coverage: The company will pay the Actual Cash Value (ACV) of covered property damage and then, if the insured has Replacement Cost (RC) coverage, they will reimburse the homeowner for any monetary difference between the ACV and the RC.
  • Available discounts: MetLife offers discounts on policies if you have home-protection devices such as deadbolt locks, burglar alarms, fire extinguishers and smoke detectors.
  • Best for All homeowners, renters, landlords and owners of mobile and manufactured homes.

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Metlife Homeowners Company Profile

Company Name:
Metlife Homeowners
Year Founded:
1869
Address:
200 Park Avenue
City:
New York
State/Province:
NY
Postal Code:
10166
Country:
United States
Website:
https://www.metlife.com/individual/insurance/home-insurance/index.html